BALDEO CHOUDHARY
Mumbai
Summary
Resourceful Credit Manager successful at improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services. Methodical Credit Manager adept at analyzing lending activities according to current regulations, standards and market conditions. Offering 6 years of financial experience in the banking industry. Astute Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth and bottom line profitability.
Overview
6
6
years of professional experience
Work History
Deputy Credit Manager
HDFC Bank Limited
Mumbai
09.2022 - Current
- Analyzed financial data to determine the degree of risk involved in extending credit.
- Monitored customer account details for non-payments, delayed payments and other irregularities.
- Assessed customer creditworthiness based on financial reports, payment histories and other sources of information.
- Evaluated customer applications for credit limits in accordance with established guidelines.
- Performed due diligence reviews of customer data to ensure compliance with KYC regulations.
- Evaluated risk associated with new customers in order to ensure compliance with AML and CTF regulations.
- Investigated discrepancies between customer profiles and actual activity.
- Managed relationships with external vendors providing support services related to KYC compliance.
- Monitored compliance risk controls to identify deviations and offer recommendations.
- Established working relationships with regulatory agencies.
- Utilized risk management techniques and business knowledge to improve compliance programs.
- Helped manager determine training and organizational needs.
Credit Manager
Indusind Bank Limited
Mumbai
06.2021 - 09.2022
- Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
- Analyzed financial information including income, assets, liabilities and credit history of applicants.
- Reviewed customer credit applications and conducted financial analysis to determine credit worthiness.
- Conducted credit checks on new customers to determine their eligibility for credit extensions or financing options.
Credit Manager
Kotak Mahindra Bank Limited
Mumbai
02.2018 - 05.2021
- Reviewed customer profiles, credit reports, and financial statements to assess risk factors.
- Monitored progress on individual cases to ensure compliance with policy guidelines.
- Analyzed data to identify trends in customer risk profiles and recommend appropriate action plans.
- Reviewed applications for completeness and accuracy of information.
Education
MBA - Accounting And Finance
04-2018
Bachelor of Finance And Accountancy - Accounting And Finance
04-2015
Higher Secondary Education -
04-2012
Secondary Schooling Education -
04-2010
Skills
- Application Review
- Credit evaluations
- Fraud understanding
- Credit Reports
- Research and due diligence
- Mentoring and training
- Regulatory Compliance
- Data Interpretation
- Credit analysis
- Underwriting expertise
- Risk Assessments
- Application processing
- Risk Analysis
- Performance monitoring
- Risk Mitigation
- Risk Assessment
- Quality Assurance
- Decision-Making
- Willing to Learn
Affiliations
- Gardening
- Exercising
- Reading Books
- Debating
- Intern at Dun & Bradstreet
- Intern at WAT Media
Languages
Hindi
First Language
English
Proficient (C2)
C2
Marathi
Advanced (C1)
C1
Timeline
Deputy Credit Manager - HDFC Bank Limited
09.2022 - Current
Credit Manager - Indusind Bank Limited
06.2021 - 09.2022
Credit Manager - Kotak Mahindra Bank Limited
02.2018 - 05.2021
Guru Nanak Institute of Management Studies - MBA, Accounting And Finance
Chetana College of Arts And Commerce - Bachelor of Finance And Accountancy, Accounting And Finance
Chetana College of Arts And Commerce - Higher Secondary Education,
Sacred Heart High School - Secondary Schooling Education,
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